Side-by-side · Q2 2026 data
Community State Bank vs Horizon Credit Union
Metric by metric
| Measure | Community State Bank | Horizon Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 70 (stronger) | 68 |
| Loan quality | 97 (stronger) | 72 |
| Earnings | 91 (stronger) | 34 |
| Funding & liquidity | 63 | 89 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 84th | 36th |
| Total assets | $132.8M | $58.8M |
| Deposits / shares | $109.2M | $51.3M |
| Capital ratio | 12.05% (stronger) | 11.83% |
| Problem loans | 0.10% (stronger) | 0.84% |
| Net charge-offs | 0.20% (stronger) | 0.40% |
| Return on assets | 1.78% (stronger) | 0.34% |
| Loans ÷ deposits | 84.5% | 70.8% (stronger) |
| Uninsured deposits | 26.3% | 5.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 5 and Horizon Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.